Wells Fargo Attune Credit Card

Wells Fargo Visa Signature Pending

Back Apply Now

8

Benefits

2

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: wells-fargo-attune-card

Issuer: Wells Fargo

Card Name: Wells Fargo Attune Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:54

Last Scraped: Feb 05, 2026 13:24

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Streaming, Fitness & Health/Wellness 4x Cash Back Purchases at eligible streaming services, fitness clubs and studios, and on eligible purchases for health and wellness. No Cap
All Other Purchases 1x Cash Back All other eligible purchases not falling into the 4% cash rewards category. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 2x

Categories: 2% cash rewards on purchases at gas stations, drugstores, and on select streaming services

Quarterly Rotating: No

Cap Amount: $1,000.00

Expiration Policy: Cash rewards don't expire as long as your account remains open.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount for cash rewards is $25 when redeemed for a statement credit or direct deposit.

Benefits & Protections (Detailed) 8 Total
PENDING
Lifestyle 1
Online Account Access
Convenient account management

Manage your account, view statements, and make payments online or through the Wells Fargo Mobile® app.

Purchase Protection 1
Cell Phone Protection
Up to $600 per claim

Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo Attune Card. Subject to a $25 deductible. Maximum of 2 claims per 12-month period.

Security 2
Zero Liability Protection
Full protection against unauthorized transactions

You won't be held responsible for unauthorized transactions when reported promptly.

Fraud Monitoring and Alerts
Proactive fraud detection

Wells Fargo actively monitors for suspicious activity and can send alerts via text or email.

Shopping 4
Cash Rewards Earning Rate
4% on sustainable businesses, 1% on all other purchases

Earn unlimited 4% cash rewards on purchases from a wide range of sustainable businesses. Earn 1% cash rewards on all other purchases.

Cash Rewards Redemption
Flexible redemption options

Redeem cash rewards as a statement credit, direct deposit into a Wells Fargo checking or savings account, or at a Wells Fargo ATM with a Wells Fargo Debit Card.

Contactless Payment
Fast and secure payments

Tap to pay securely at millions of merchant locations.

Digital Wallet Compatibility
Mobile payment convenience

Add your card to Apple Pay®, Google Pay™, or Samsung Pay® for secure mobile payments.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $1.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, applicants for the Wells Fargo Attune Card must be 18 years or older, a U.S. resident with a valid SSN/ITIN, and possess good to excellent credit. A welcome bonus for this specific card product is generally available only once every 15 months. Wells Fargo typically limits new credit card applications to one every six months across their portfolio. Eligibility for a bonus may also be impacted if you have recently closed a Wells Fargo credit card account.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (e.g., too many applications with Wells Fargo or other issuers), high cumulative credit limit across Wells Fargo accounts, suspicious spending patterns, or repeated abuse of welcome bonus offers.

Cliff Effect Rules: While Wells Fargo has a history of 'family rules' where bonuses on similar products might be linked, the primary rule for the Attune card is one bonus per 15 months for this specific card product. There are no widely known 'cliff effect' rules specifically linking the Attune card to other distinct Wells Fargo card families for bonus eligibility beyond its own 15-month reset.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
Excellent flat 4% cash back rate on all purchases up to $20,000 annually, no annual fee, and a valuable sign-up bonus. Simple and rewarding for everyday spending.

Top Negative:
The 4% cash back is capped at $20,000 in annual spending, after which it drops to 1%. Limited additional benefits beyond cash back.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Wells Fargo Active Cash Card
  • Citi Double Cash Card
  • PayPal Cashback Mastercard

Card Value Score: 90.0 / 100

Est. Annual Rewards: $1,000.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Mar 01, 2024 00:00